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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,089 | $43,496-10.1% | $161,489-75.8% | $64,340-39.2% |
| Participation rate | 35.2% | 53.5%-18.3pp | 78.7%-43.5pp | 55.2%-20.0pp |
| Annual return | 21.37% | 20.76%+0.6pp | 89.72%-68.3pp | 24.14%-2.8pp |
| Employer contribution / active EE | $937 | $1,431-34.5% | $4,268-78.0% | $1,862-49.7% |
| Participant deferral / active EE | $2,103 | $1,996+5.4% | $5,630-62.6% | $2,980-29.4% |
| Admin fee / account holder | $8,738 | $2,330+275.0% | $16,006-45.4% | $3,703+136.0% |